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Wage Garnishment in Florida: From Your Employers Perspective

Posted by Sami Thalji | Mar 02, 2023 | 0 Comments

Wage garnishment is when an employer has to take money out of an employee's paycheck to pay off a debt. This can happen if someone owes money for things like child support, taxes, student loans, or other debts. There are two types of garnishment: wage garnishment and non-wage garnishment. Non-wage garnishment is when a court orders a person's bank to take money out of their account. If an employer doesn't follow the law and take out the right amount of money, they can get in trouble and have to pay fines or even be taken to court. The amount of money that can be taken out of an employee's paycheck depends on how much they make and what they owe. It's important for employers to follow the rules and seek help from an attorney if needed.

Family Savings Accounts Are Shrinking As Consumers Are Overwhelmed by Credit Card Debt

Posted by Sami Thalji | Feb 24, 2023 | 0 Comments

A recent survey by Bankrate has found that a growing number of Americans are struggling to save for emergencies due to high inflation and increasing interest rates. Over a third of respondents had more credit card debt than emergency savings, up from 22% a year ago. Many people are using their emergency savings or taking on credit card debt to cope with the current economic situation. Respondents cited inflation or unemployment as the biggest barriers to saving more. To avoid financial stress, it's important to prioritize emergency savings by setting a budget, cutting unnecessary expenses, and considering debt consolidation or debt relief options to free up money for savings.

Foreclosure Rates on the Rise: Homeowners Struggle with Affordability Amid Housing Market Slowdown

Posted by Sami Thalji | Feb 14, 2023 | 0 Comments

Despite a housing market slowdown, foreclosure rates across the US have increased for almost two years. Real estate data analysis by Attom showed that Florida had some of the highest levels in the past year, highlighting issues of availability and affordability. Mortgage lenders completed almost 4,000 repossessions in January, up 6% from December but down 19% from the year before, according to Attom’s data. The ability to afford a home remains difficult, with the 30-year fixed rate increasing to 6.12%, and addressing the affordability concern remains an issue that both federal and state officials and lawmakers are trying to solve.

Chapter 13 Bankruptcy: 5 Benefits for the Average Consumer

Posted by Sami Thalji | Feb 07, 2023 | 0 Comments

Chapter 13 bankruptcy offers several benefits for the average consumer struggling with debt. These benefits include protection from foreclosure, stopping creditor harassment, paying off debt, keeping property, and improving credit score. Chapter 13 bankruptcy allows individuals to repay their debt over a three to five-year period, with a payment plan established by the bankruptcy court. Filing for Chapter 13 bankruptcy will have a negative impact on credit score, but can also be an opportunity for individuals to start fresh and rebuild their credit. It's important to consult a knowledgeable bankruptcy attorney to determine if Chapter 13 is the right option.

Navigating Foreclosure: Your Guide to Legal Representation with Florida Consumer Lawyers

Posted by Sami Thalji | Feb 06, 2023 | 0 Comments

A blog post was written for a consumer lawyer website, Florida Consumer Lawyers, which offers legal representation for homeowners facing foreclosure. The post highlights the benefits of having legal representation during the foreclosure process, such as understanding rights and options, negotiating with lenders, exploring alternative solutions, and ensuring that rights are protected. The post also emphasizes the expertise of Florida Consumer Lawyers in providing personalized, compassionate representation to homeowners. The post concludes by encouraging readers to contact the firm for a free consultation.

Student Loan Debt is Out of Control

Posted by Sami Thalji | Dec 19, 2022 | 0 Comments

The average student in 2022 graduates with more than $40,000 in student loan debt. making it the 2nd highest debt number in US households, only behind mortgages. With student loan debt spiraling out of control, it is no wonder that activist judges are bending over backwards to protect lenders and prevent student loan forgiveness plans from starting.

What Amount of Credit is Too Much?

Posted by Sami Thalji | Oct 07, 2022 | 0 Comments

Credit card debt is a necessary evil for most consumers in today's economy. Consumers are using credit cards to make ends meet and not to purchase frivolous or luxury items. There are strategies that you can use to leverage credit cards and ultimately get rid of your debt, but sacrifices will have to be made.

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